Bad Credit Cash Loans

£100 - £5,000 paid out by 04:35am

How much would you like?


Representative 669.35% APR

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).
*Subject to application being approved by the lender. Not all lenders are able to provide up to £5000.
*Omacl will not perform a credit check but lenders will determine your loan eligibility by performing a soft search. If you accept the loan offer presented to you, a hard credit search will be performed.

Bad Credit Cash Loans: What You Should Know

These days a lot of people are applying for bad credit cash loans because they have so much to offer. When you need to borrow a substantial amount of money but don’t have very good credit, you will find that this is one option that can work very well. Many people with bad credit are denied loans from their banks, but private lenders tend to be more accommodating in this respect. This means that you should be able to get the money you need without having to deal with comprehensive credit checks although a basic affordability check and soft search is likely to be performed.

What is a Bad Credit Cash Loan?

Bad credit cash loans do not require applicants to have good credit in order to get get approved. These are typically short-term loans for smaller amounts. A lot of the private lenders who give out these loans will only run a basic affordability check or are willing to accept most people with a poor credit rating. If you are in need of money fast but have bad credit, this can be an excellent option. Most of these loans must be paid back within a couple of weeks with your next paycheck, but there are longer term options available for larger amounts.

How much would you like?

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Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). 

Who Should Apply for a Bad Credit Cash Loan?

Many different people can benefit from taking out a bad credit cash loan. You should consider applying for one of these loans if you:

  • Need money fast: The money is usually dispersed to qualifying applicants within 24 hours.
  • Have bad credit: You’ll find that these loans are fairly easy to get even if you have bad credit, so it won’t be a hindrance.
  • Can’t get a loan from your bank: If you cannot get a loan from your bank due to bad credit, this is an excellent alternative to consider.
  • Want an easy way to get a loan: The best payday loans are easy to apply for, in part because the whole process is so simple and quick.

bad credit cash loan

What do I need to Qualify for a Bad Credit Cash Loan?

While you may not need good credit to qualify for one of these loans, there are some minimum requirements that you will need to be aware of. You will need to be over the age of 18, a legal UK citizen, and have an active checking account at a bank or credit union. You will also need to prove that you have adequate income. The lender will not give you the loan unless they are confident that you make enough to pay it back on time. It is important that you have proof of income ready when applying for a loan so that you can speed up the process as much as possible.

How Does Omacl Compare?

Why Use Us?
How much can I borrow?
Up to £5,000
No hidden fees
Chance of getting approved?
High approval
What are the repayment terms?
1 - 36 Months
No paperwork.
How do I apply?
Apply Online
2 min Application
Do I need to pay back a lump sum?
Easy repayments

How do I get a Bad Credit Cash Loan?

The first step in getting a bad credit cash loan or a payday loan in the UK is to fill out an application. These applications are typically all online, so you won’t even have to leave your house. After you have submitted your application to the lender, you will need to simply wait to hear back from them. It usually takes about 24 hours for a lender to notify applicants if they have been approved. You will most likely be notified via email or phone. When you are filling out the application, you will be required to submit some personal and financial details, such as your income and place of residence. These details will be used to determine whether or not your application will be approved, so make sure that everything is completely accurate.

We Help People with Bad Credit

Omacl is known for helping people with bad credit to get the loans they need. If you have been rejected by your bank in the past because of your credit history, our service can help match you with a lender who may be able to provide you with a loan. We understand that not everyone has a great credit history, and it shouldn’t stop them from getting approved for loans. Regardless of why you need a loan, we can usually help you get your money quickly and without any complications.

cash loan bad credit

Warning: Late repayment can cause you serious money problems. For help, go to Omacl is a broker, not a lender, and does not make credit decisions.